Explain the phrase, “Boy, was she lousy with rocks.”

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Holden is making another of his close observations about other people; how they act, how they behave, how they dress. In this case, he's referring to Mrs. Morrow's penchant for wearing lots of expensive jewelry. In this specific context, "lousy" doesn't mean "very bad" as in "this coffee's lousy" for example. Instead, it suggests an infestation of lice. Only Mrs. Morrow isn't infested with any kind of bugs or critters, but precious gemstones, or "rocks."

Though super-judgmental as always, it seems that Holden kind of likes Mrs. Morrow, which is especially unusual given that her son is someone Holden regards as a "bastard." Indeed, the very thing that seems to have drawn Holden to Mrs. Morrow is his sense that she understands precisely what kind of a "bastard" her son really is. But then Holden immediately reverts to type and distances himself from Mrs. Morrow, insisting that mothers are all slightly insane.

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As Holden is leaving Pencey Prep for the last time, he encounters on the train the mother of one of his classmates, Ernest Morrow. She recognizes a Pencey sticker on one of Holden's suitcases and strikes up a conversation with him. It is late in the evening, and Holden notes that Mrs. Morrow is wearing an orchid corsage and assumes that she has been to a party. As they talk, she removes her gloves and Holden observes "boy, was she lousy with rocks." This is a slang expression. To be "lousy" with anything means that there is a large quantity of it. A louse is a singular expression of the more common plural of lice, which are known to proliferate. In this context, "rocks" refer to precious gemstones, likely diamonds. So, what Holden is observing is that Mrs. Morrow is wearing a collection of rings and/or bracelets that look expensive.

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